First Federal Bank
Lake City, FL · Cert 31313 · Peer group: banks $1B-$10B in assets (n=311-317) · First Federal Bcorp MHC
State savings bank · OCC · 27 branches
Q2 2026
$4.5BAssets
$1.4BLoans
$3.4BDeposits
$465.8MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 91% of banks $1B-$10B in assets (rank 27 of 317).
- Widest gap: nonperforming loans / loans trails 95% of banks $1B-$10B in assets (rank 297 of 311).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.17%
Rank 176 of 317
Net Interest Margin
2.90%
Rank 259 of 317
Efficiency Ratio
66.69%
Rank 234 of 317
Equity / Assets
10.38%
Rank 156 of 317
Non-interest income vs. expense
Unfavorable gap of $65.4M · efficiency ratio beats 26% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.17% | 0.93% | 1.22% | 1.51% | Beats 44% | 176 / 317 | |
| Return on Equity | 11.25% | 8.63% | 11.43% | 14.48% | Beats 47% | 167 / 317 | |
| Net Interest Margin | 2.90% | 3.06% | 3.45% | 3.83% | Beats 18% | 259 / 317 | |
| Efficiency Ratio | 66.69% | 51.90% | 59.69% | 67.53% | Beats 26% | 234 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.96% | 0.24% | 0.51% | 1.14% | Beats 5% | 297 / 311 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.12% | Beats 33% | 210 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 20.56% | 11.75% | 13.15% | 15.30% | Beats 91% | 27 / 317 | |
| Total Risk-Based Capital Ratio | 21.06% | 12.63% | 14.21% | 16.26% | Beats 90% | 31 / 317 | |
| Equity / Assets | 10.38% | 9.06% | 10.32% | 11.95% | Beats 51% | 156 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 41.67% | 76.63% | 88.04% | 95.67% | 2nd pctl | 305 / 312 | |
| Loans / Assets | 31.94% | 65.41% | 74.05% | 79.71% | 4th pctl | 305 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |